Financial services are changing, from how they’re designed to how they’re delivered. Increasingly, the tools we use to bank, borrow, save, and invest are powered by artificial intelligence, delivered through platforms, and built on open data infrastructure. But what happens when finance becomes invisible? When decisions are automated? When users don’t realise they’re engaging with a financial product?
Open Data and Intelligent Finance
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Open Data and Intelligent Finance
This course is part of AI in Financial Services: Foundations through future trends Specialization
Instructor: Pinar Ozcan
Included with 
Gain insight into a topic and learn the fundamentals.
Beginner level
Recommended experience
2 weeks to complete
at 10 hours a week
Flexible schedule
Learn at your own pace
What you'll learn
Explain the principles of Open Data, Open Finance, and Smart Data, and how they shape modern financial ecosystems
Evaluate how AI powers real-time, intelligent financial services and the ethical and regulatory risks involved
Design inclusive, data-driven financial systems using platform infrastructure and responsible innovation practices
Skills you'll gain
Details to know
Shareable certificate
Add to your LinkedIn profile
Recently updated!
June 2025
Assessments
4 assignments
Taught in English
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This course is part of the AI in Financial Services: Foundations through future trends Specialization
When you enroll in this course, you'll also be enrolled in this Specialization.
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There are 5 modules in this course
This course examines how Open Data, platform ecosystems, and AI are reshaping financial services. You will explore how intelligent systems use open infrastructure to deliver more personalised, embedded, and data-driven experiences. Through global case studies and critical reflection, you will build the tools to engage with the future of ethical and intelligent finance.
What's included
6 videos14 readings1 assignment9 plugins
This module explores how AI and real-time data are transforming traditional financial services into intelligent, personalised, and adaptive systems. From budgeting tools that adjust to income shifts to AI-powered lending platforms that assess risk in milliseconds, you'll examine how smart technologies are reshaping credit, savings, and investment. You’ll also learn to critically assess the design, benefits, and risks of these systems, including the role of automation, personalisation, and decision speed in building financial resilience or exclusion.
What's included
1 video5 readings1 assignment4 plugins
Finance is no longer limited to banks or dedicated apps, it’s becoming embedded into the digital platforms we use every day. This module unpacks how financial services are delivered through platforms, super apps, and modular ecosystems using open APIs and real-time data. You'll explore how payments, lending, and insurance are becoming invisible, and the new roles of infrastructure providers, BaaS partners, and API aggregators. The module also surfaces the regulatory, ethical, and competitive risks as financial access becomes platform-mediated.
What's included
3 videos8 readings1 assignment5 plugins
AI-driven finance has the power to expand inclusion, or deepen inequality. This module focuses on the human impact of intelligent financial systems, exploring case studies where design intent shaped user outcomes. You'll examine how incentives, algorithms, and interface design can empower or exploit users. By comparing inclusive innovations with harmful missteps, you’ll learn how to design for fairness, transparency, and long-term wellbeing. The module also introduces practical governance tools and ethical design strategies to guide responsible financial innovation.
What's included
2 videos3 readings1 assignment3 plugins
In the final module, you’ll consolidate your learning and apply key concepts in a capstone assessment. You’ll revisit your reflections, explore the real-world implications of AI and data-driven finance, and design a fictional but plausible intelligent financial product. This final project invites you to connect data, design, and impact, demonstrating how Open Data, AI, and embedded delivery can be aligned with ethical, inclusive, and transparent financial innovation.
What's included
1 video4 readings1 peer review
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Instructor
Explore more from Finance
Saïd Business School, University of Oxford
Saïd Business School, University of Oxford
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